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    • @jk2054 and @BankFodder - Your feedbacks in posts #199 and #202 have been incorporated into the attached WS. As usual, amends are in blue in this draft. Based on other WS drafts I've seen where the issues in dispute are part of the WS, I built my first draft WS in the same format and hadn't seen it to be an issue before. You will notice that the 'witness statement' has been replaced with 'Claimant's Statement' so that issues in dispute does not need to be on a separate page before the WS. This is especially given the work that has gone in to reduce the size of the WS to 8 pages. Also thanks for the suggestions re: confidentiality - I agree with your views and will stand firm on this if a condition of confidentiality is brought up. I have not been approached by Evri on this forum or by email. I haven't yet had success in paying the hearing fee. I am calling the court as often as I can (during work breaks/lunch etc.) and have sent 2 emails to the court requesting a call back. If i don't have any success by the end of this week, I'll send another email chasing for a call back. @BankFodder - Also attached is an invoice from Packlink which shows that I was charged by Packlink for these services: "drop-off at EVRi - Next day delivery" and "Proof of Delivery". It also has the payer's address and there are "Origin" and "Destination" fields which have the postcode of the sender and the recipient (I have redacted personal details in the attached invoice).  I am already including this in my evidence bundle (without the redaction) but wanted to share this redacted version so that other people can consider this as example in their bundle of Packlink and Evri's contract being instigated by the sender of the parcel who has paid for the service, and further shows that there is information in the invoice to identify that a third party beneficiary (sender / recipient) is present in the contract between Packlink and Evri. If this invoice is no good, then please let me know / delete it from this post. Draft - Witness Statement and Court Bundle redacted.pdf Packlink invoice - REDACTED.pdf
    • It can be frustrating when clients fail to pay for services or products rendered, ignore payment reminders, or claim an inability to pay. How quick do you pass to a Debt Collection Agency like www.corporatedebtrecovery.co.uk 
    • The Court s pretty informal. The Judge [who you call "Judge" rather than Sir or madam] will not be wearing a wig and gown just a suit and it is advisable that you do the same and a tie. Other than that the Judge will do most of the talking .If they haven't received a WS from the scrotes either the case will probably be thrown out straight away. Usually the Judge will ask their lawyer a number of questions then ask for your take on things and then the case will be decided.  UKPC 0 Mystic Bertie 5. Then ask for your expenses time off work [if not being paid by your company while in Court, travelling and parking costs and occasionally they will allow something like 5 hours research at I think £8 per hour. Later celebrate and post us the result and how much fun it was. You will wonder  why you worried about it so much. Next time will be much easier.🙂
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Barclaycard refuses monthly offer


Red smartie
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Hi

After going to the CAB and creating a budget, it was recommeded that I offer Barclaycard £5 per month. I made the offer and have made payments of £5. However, Barclaycard are demanding a minimum of £200 per month when I am not working, have defaulted me and passed my details to Mercers. Mercers are charging a much higher rate of interest than Barclaycard. As I do not have a contract with mercers do I need to pay their interest rates? Also, what can I do with Barclaycard as I have asked them for 6 months interest free and will pay them more than the minimum when I have it.

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Hi Red Smartie

 

Mercers are part of Barclaycard, don't let them make you think different.

Stick to your guns and only pay what you can afford.

 

Have you been mis-sold PPI or have you got Penalty Charges that you can claim back with interest?

You can claim back at least six years worth.

 

It would help reduce your arrears.

Templates and spreadsheets can be found on this site.

Edited by rebel11
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Hi RS,

 

You may find BC more willing to accept your offer of token payments if the CAB writes to them on your behalf.

 

See a useful selection of letters here - http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

 

You can reclaim any penalty charges or mis-sold PPI that you find on the a/c back to 1995 if you have the data or statements to show the penalties.

 

:)

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When did you go to the CAB ?

When did you take out the card,and when did it go into arrears/OD ?

When did you become unemployed ?

Did you inform them at that point ?

How was it done-was it in writing ?

Will be interested to know more about this.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi I have had trouble with Barclaycard but I have been adviced to TAPE CONVERSATIONS or put everything in writing. when taping, at the beginning of the phone conversation say 'I must inform you by law that I am recording our conversation for my records' they will hum and har and probably say 'wait a minute I will find out if you can' they will come back and say ok, some will be stroppy but hold your ground, you have a right and you don't need an authorisation number to record conversations.

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